The Creation of a Legal Ordinance and Program Manual for the Purpose of Illicit Discharge Detection and Elimination

Illegal dumping and improper disposal of pollutants in urban areas can contribute significant pollutant loads to the municipal separate storm sewer system (MS4) and natural environments. Illicit discharges to the MS4 can pose a significant risk to human and environmental health. The Clean Water Act requires that municipalities implement a legal mechanism and plan to detect and eliminate illicit discharges to the MS4. The methodology for program creation included the analysis of other municipal illicit discharge programs, review of state and federal guidance publications, and the review of illicit discharge case-studies. This paper describes a systematic approach applied to the creation and implementation of a legal ordinance and program manual designed for the purpose of illicit discharge detection and elimination (IDDE).

Microcredit Financing Organizations: Global Players Empowering Women and Alleviating Poverty Worldwide

World poverty is a global issue and a development issue. Poverty reduction and women's empowerment are deeply connected to regional stability and long lasting peace. Nations will continue to be plagued by poverty, and top-down government agency aid programs to date have been unsuccessful. Encouraging news resides in innovative microfinance initiatives that alleviate poverty and impact millions of impoverished people around the globe. Microfinance organizations provide small loans, primarily to women otherwise excluded from the formal banking sector, for entrepreneurial endeavors. Myriad social, educational, and health programs accompany microfinance loan services. It is a powerful poverty-fighting tool with socioeconomic benefits. Evidence suggests that while imperfect, microfinance goals and successes are inspiring given the paucity of realistic alternatives in today's global development arena.